Skyro
Skyro is a Philippine fintech lender that provides mobile-first POS installment loans, online cash loans, and QR Ph-based revolving credit to underbanked Filipino consumers through its app and a network of 1,900+ merchants across 10,000+ stores.
- Company typePrivate
- Founded2022
- HeadquartersMandaluyong, Philippines
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What Skyro does
Skyro is a Philippine digital consumer-finance company founded in August 2022 and operating through two SEC-registered affiliate entities — Skyro Lending, Inc. (lending license No. 3249, formerly Jungle Lending, Inc.) and Advanced Finance Solutions, Inc. (financing license No. F-22-0029-37). The company provides three core credit products through a single mobile-first application: SkyroSplit / Product Loan, a point-of-sale installment loan of up to PHP 100,000 over 6-24 months at 0-7% monthly interest for appliances, gadgets, furniture, and vehicles at partner stores; SkyroCash, an online personal cash loan of up to PHP 250,000 over 6-24 months; and SkyroCredit, a reusable QR Ph-linked revolving credit line up to PHP 100,000 with 1% cashback and 0% interest for up to 45 days. Supporting features include the SkyroPondo in-app wallet and Flexi, a self-service tool that lets borrowers adjust due dates or monthly amounts.
The platform is anchored on proprietary AI: an AI-driven credit scoring engine underwrites POS decisioning and is credited with materially de-risking the portfolio; the 'Sky' AI chatbot and AI-powered Help Center handle roughly 200,000 monthly chats with 67% automation and a reported 66% reduction in support cost per customer; and an AI-narrated Skyro Blog delivers audio financial-education content in a synthetic Filipino voice. Distribution combines a self-serve consumer app (iOS/Android with 7M+ users), a merchant portal (merchant.skyro.ph) with plug-in integrations for Shopify, Magento, WooCommerce, and OpenCart alongside payment-gateway connectors (iPay88, PayLoro), field agents deployed in partner stores, and a QR Ph acceptance network.
Revenue is generated from monthly interest on installment and cash loans, one-time loan processing fees of 10-16.6% of disbursed amount, recurring interest and service fees on revolving SkyroCredit balances, and merchant service fees on repayments (e.g., PHP 20 via ECPay across 462,000+ OTC locations). The company reported PHP 15.8 billion (~$280M) of disbursements in 2025, a 2.6x year-on-year increase, serving roughly 1.75 million customers via 1,900+ merchants across 10,000+ stores, and raised PHP 570 million of debt facilities in 2025 (PBCOM in January, Sterling Bank of Asia in April). It is also exploring GCC expansion through an MoU with SICO signed at Abu Dhabi Finance Week 2025.
Skyro firmographics
Firmographics- Name
- Skyro
- Legal name
- Skyro Lending, Inc.
- Website
- https://skyro.ph
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Skyro is a Philippine fintech lender that provides mobile-first POS installment loans, online cash loans, and QR Ph-based revolving credit to underbanked Filipino consumers through its app and a network of 1,900+ merchants across 10,000+ stores.
- Ownership category
- akta.pro rank
Skyro industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Consumer Lending (522291)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
- akta.pro secondary industries
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG), Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
Keywords
Where Skyro is headquartered
LocationHeadquarters
- HQ city
- Mandaluyong
- HQ country
- Philippines
- HQ region
- Asia
Offices4 records
Markets served
Skyro business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Supply Chain
Revenue model
- Interest on POS / Product Loans: Monthly interest charges on point-of-sale installment loans (SkyroSplit) for appliances, gadgets, furniture, and vehicles; interest rate minimum 0% per month on select POS offers, maximum 6.9% per month, with 6 to 24 month tenors.
- Cash Loan Interest: Interest income on unsecured online cash loans (SkyroCash) of up to ₱250,000 repayable over 6 to 24 months; interest range 0% to 7% per month with online application and decisioning.
- Loan Processing Fees: One-time processing fees deducted from loan proceeds, ranging from a minimum of 10% + ₱690 up to a maximum of 16.6% of loan proceeds.
- SkyroCredit Revolving Credit Interest and Fees: Recurring interest and service fees on revolving SkyroCredit balances used to pay merchants via QR Ph; 0% interest for up to 45 days if paid in full, plus minimum-payment option accruing interest.
- Merchant Service Fees on Loan Repayments: Service fees charged on loan repayments made through payment partners (e.g., ₱20 fee via ECPay) and other over-the-counter and digital payment channels.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Skyro Product Loan (POS BNPL) |
| Unit Pricing | Pay-as-you-go | SkyroCash (Cash Loan) |
| Subscription | Monthly | SkyroCredit (Revolving Credit Line) |
| Other | Pay-as-you-go | Processing Fee |
| Other | Pay-as-you-go | Zero Plan Holiday Promo |
Go-to-market motion5 records
Distribution channels6 records
Marketing channels9 records
Skyro product offering
Product offeringCore offering
Skyro is a SEC-registered Philippine fintech lender that provides mobile-first consumer credit through three core products: a point-of-sale installment loan (Skyro Product Loan / SkyroSplit) for gadgets, appliances, furniture and vehicles at partner stores; an online personal cash loan (SkyroCash) up to ₱250,000 repayable over 6–24 months; and a reusable revolving credit line (SkyroCredit) usable via QR Ph at partner merchants. Loan applications and disbursements are processed through the Skyro iOS/Android app and a Merchant Portal that integrates POS lending with major e-commerce platforms and payment gateways.
Product overview
Skyro is a single, integrated Philippine fintech lending platform rather than separate disconnected products. Its offering centers on the Skyro App (iOS/Android), which unifies three core loan products — the Skyro Product Loan (POS installment financing, also called SkyroSplit, for gadgets/appliances/furniture at partner stores), SkyroCash (online personal cash loans up to ₱250,000 over 6–24 months), and SkyroCredit (a reusable QR Ph-based credit line up to ₱100,000 with cashback). These core products are complemented by in-app sub-features including SkyroPondo (in-app payment wallet) and Flexi (self-service due-date and amount changes), as well as the AI-powered Skyro Help Center and the 'Sky' AI chatbot for 24/7 customer support. The consumer platform is paired with the Skyro Merchant Portal, which enables partner merchants to offer BNPL via plug-ins for Shopify, Magento, WooCommerce, and OpenCart, payment-gateway connectors Ipay88 and PayLoro, and an API. Beyond financial products, Skyro extends its brand through the AI-narrated Skyro Blog, the PISOlophy educational podcast, marketing promos such as Back to School and Presko Panalo, and the SkyroShares CSR program — all operating under one SEC-registered lending and financing brand in the Philippines.
Differentiator
Problem solved
Functional benefit
Brands
- SkyroCredit: A reusable credit line that allows customers to pay anywhere QR Ph is accepted, with cashback rewards and flexible repayment options.
- SkyroCash
- SkyroSplit
- SkyroPondo
- Flexi
Products and services
- Skyro Product Loan (SkyroSplit) Point-of-sale installment loan that lets customers shop for appliances, gadgets, furniture, and vehicles at partner stores and pay in monthly installments over 6 to 24 months. Loan amounts up to ₱100,000, interest from 0% to 7% per month, down payment from 0%, with instant in-store or online approval and a Zero Plan variant offering 0% interest for the first 3 or 6 months. Targeted at Filipino consumers aged 18–70 needing big-ticket financing.
- SkyroCash (Cash Loan) Online personal cash loan disbursed straight to the customer's bank account, with borrowable amounts up to ₱250,000 repayable over 6 to 24 months at 0% to 7% interest per month. Designed for bills, school fees, business capital, or other important expenses; applied for via the Skyro app with decisions delivered in less than a minute.
- SkyroCredit Reusable credit line usable at any QR Ph-accepting merchant by scanning to pay and settling later, with no annual fees, 0% interest for up to 45 days, 1% cashback on purchases of ₱100 or more, and a credit limit up to ₱100,000 that grows with on-time payment history. Available via the Skyro app at nationwide QR Ph merchants including Jollibee, McDonald's, Watsons, Mercury Drug, SM, and DALI Supermarket.
- Skyro App Skyro's mobile application on iOS and Android that unifies the Product Loan, SkyroCash, SkyroCredit, SkyroPondo in-app wallet, Flexi self-service adjustments, AI-powered Help Center and the 'Sky' AI chatbot in one experience. Lets customers apply for loans, track balances, change due dates or payment amounts, earn cashback rewards, and pay via SkyroPondo, e-wallets, online banking, OTC, or QR Ph.
- Skyro Merchant Portal Online portal that lets businesses of all sizes become Skyro BNPL / installment partners in as fast as 2 days. Provides a dedicated merchant dashboard to track daily loan transactions and sales, marketing collateral support, a Skyro account manager and agent, and supports plug-in integrations with Magento, WooCommerce, OpenCart, Shopify, Ipay88, and PayLoro, plus an API (online-api.skyro.ph/docs).
Quantifiable outcome
- PHP 15.8 billion disbursed in 2025, a 2.6x year-on-year increase
- +8 more outcomes
Companies that use Skyro
Customer profileNamed customers15 records
Segments5 records
Ideal customer profiles3 records
Skyro technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability13 records
Feature7 records
Skyro partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- ECPaycoreIntegrated Skyro loan repayments into ECPay's nationwide payment network of 462,000+ OTC locations, 16,000+ kiosks, and 90+ digital payment options (GCash, PalawanPay, CLiQQ). Customers pay a lower service fee of ₱20 vs up to ₱25 via other channels; covers 7-Eleven, Cebuana Lhuillier, Palawan Express, Prince Supermarkets and LCC.
- Department of Trade and Industry (DTI)minorDTI supervises Skyro's raffle-based promotional campaigns (Back to School Promo, Presko Panalo, and other promos) including electronic raffle draws and DTI Fair Trade Permits.
- Alson's Tradingminor42-branch appliance retailer across South Luzon joined the SkyroCredit ₱1,000 credit merchant network (alongside Home Along, Metro Retail, Prince Retail, LCC, and Willy & Sons).
- Shopify / WooCommerce / Magento / OpenCart / iPay88 / PayLorocorePlug-in integrations enabling merchants on Shopify, WooCommerce, Magento and OpenCart to add Skyro installment payments via iPay88 or PayLoro payment gateways or directly via Skyro's online API (online-api.skyro.ph/docs).
- Tecno (TECNO)minorCo-marketing partnership around the TECNO CAMON 50 Series pre-order, offering free TECNO FreeHear 2 and/or TECNO Watch Neo freebies to Skyro loan customers; promoted via DTI Fair Trade Permit No. FTEB-252105 Series of 2026.
- ElectroworldminorCo-promotion offering 0% interest and a ₱500 National Bookstore eGift to customers who successfully apply for a Skyro product loan at Electroworld, plus a free Skyro umbrella giveaway promotion.
- Automatic CentreminorCo-promotion offering ₱0 down payment plus a ₱500 National Bookstore eGift and free umbrella giveaways to Skyro product loan customers at Automatic Centre stores.
- IgloocoreEmbedded insurance partnership with regional insurtech Igloo (alongside Angkas) to provide coverage to hundreds of thousands of Skyro customers; Igloo has launched 55+ customized insurance products with 40+ digital partners across Southeast Asia including Shopee, GCash and Smart.
- KimstoreminorFormalized partnership via MOA signing to offer Skyro installment payments for gadgets and electronics across Kimstore's electronics retail stores, making upgrades more accessible to Filipino customers.
- QoalacoreCo-developed Skyro Checkout Protection, allowing Skyro customers in the Philippines to add insurance coverage to installment loan purchases. The partnership provides three coverage options: Gadget Protection, Merchandise Protection, and Extended Warranty, addressing risks related to product damage or malfunction.
- inDriveminorStrategic fintech partnership within inDrive's global inDrive Ads platform; Skyro Philippines ran 200+ loans through this channel during the pilot, part of inDrive's expansion across 20 (then 48) countries.
- SICOcoreSkyro UAE and SICO signed an MoU at Abu Dhabi Finance Week 2025 to explore collaboration on providing GCC retail clients with digital access to a range of regulated investment products, supporting the region's economic transformation and financial inclusion agenda.
- Breeze Ventures Pte. Ltd.coreListed as the App Store developer (Breeze Ventures Pte. Ltd.) for the Skyro iOS app, indicating a parent/affiliate development and operating relationship behind the Skyro app.
- Consumer Lending Association of the Philippines (CLAP)minorSkyro is a key founding member of the Consumer Lending Association of the Philippines (CLAP), the industry body for SEC-registered consumer lending companies.
Scale indicators19 records
Recent moves7 records
Expansion highlights8 records
Skyro competitors and assessment
Company assessmentDirect peers
- BillEase: Philippine BNPL and personal loan provider offering point-of-sale installments and cash loans to underbanked consumers through a mobile app. Most directly comparable to Skyro across product mix (POS, cash, revolving), target customer (unbanked Filipino), and merchant distribution model.
- Atome Philippines: BNPL provider operating in the Philippines offering interest-free installments at online and offline merchants. Direct competitor in merchant-funded BNPL at point of sale for Filipino consumers shopping gadgets, fashion, and lifestyle categories.
Broad incumbents
- Home Credit Philippines: Largest consumer finance provider in the Philippines offering POS installment loans for gadgets, appliances, and motorcycles with an established branch and agent network. Comparable to Skyro on POS installment product and merchant distribution, but operates at significantly greater scale and is part of a global group.
- GCash (GCredit / GGives): Philippine super-app with a credit line (GCredit) and BNPL product (GGives) embedded in its dominant e-wallet, serving tens of millions of users. Competes with SkyroCredit and Skyro's broader lending products, with material advantages in user base and funding cost via Mynt's bank affiliation.
- Maya (Maya Bank): Philippine digital bank and super-app offering personal loans, credit, and savings products to a large consumer base. A bank-chartered competitor with structural funding cost advantages over Skyro, increasingly active in the same underbanked consumer credit segment.
- Tendo (UnionBank): UnionBank's mobile consumer credit app offering installment loans to Filipino users, distributed through one of the Philippines' largest digital banks. Comparable to Skyro on the personal cash/installment loan product and the mobile-first delivery model.
Emerging players
- Plentina: Philippine fintech offering buy-now-pay-later and short-term credit products to consumers and small merchants, with prior operations in Vietnam. Comparable to Skyro on the BNPL/short-term credit proposition and Southeast Asia underbanked consumer focus.
- Salmon: Philippine consumer credit fintech offering a mobile-first credit line and installment products to underbanked Filipinos. Comparable to Skyro on the reusable credit line, mobile delivery, and unbanked segment focus, though at a smaller scale.
Regional players
- Kredivo: Indonesia-headquartered BNPL and digital credit provider expanding across Southeast Asia, offering point-of-sale installments and cash credit to underbanked consumers. Comparable to Skyro on the BNPL/consumer credit model and SEA expansion playbook, though currently focused on Indonesia and Vietnam.
- Akulaku: Southeast Asia BNPL and consumer finance platform operating in Indonesia, Philippines, Vietnam, and Malaysia with a marketplace and installment model. Comparable to Skyro on the multi-market BNPL/consumer credit franchise and the focus on big-ticket retail financing for underbanked consumers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat8 records
Key risks6 records
Key highlights7 records
Customer concentration
Skyro social profiles
Digital presenceSkyro compliance and trust
Trust signalCompliance4 records
Skyro financial estimates
Financial estimateRevenue estimate
Valuation estimate
Skyro leadership team
Management profileNumber of profiles
Profiles12 records
Skyro subsidiaries and ownership
Company hierarchySubsidiaries1 record
Skyro funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Skyro M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Skyro
What does Skyro do?
Skyro is a SEC-registered Philippine fintech lender that provides mobile-first consumer credit through three core products: a point-of-sale installment loan (Skyro Product Loan / SkyroSplit) for gadgets, appliances, furniture and vehicles at partner stores; an online personal cash loan (SkyroCash) up to ₱250,000 repayable over 6–24 months; and a reusable revolving credit line (SkyroCredit) usable via QR Ph at partner merchants. Loan applications and disbursements are processed through the Skyro iOS/Android app and a Merchant Portal that integrates POS lending with major e-commerce platforms and payment gateways.
Is Skyro a public or private company?
Skyro is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Skyro founded?
Skyro was founded in 2022. It employs 1,001 to 5,000 people.
Where is Skyro based?
Skyro is headquartered in Mandaluyong, Philippines, in the Asia region.
How does Skyro make money?
Five revenue lines are on record. Interest on POS / Product Loans are the primary driver. The others are cash Loan Interest, loan Processing Fees, skyroCredit Revolving Credit Interest and Fees and merchant Service Fees on Loan Repayments.
Who are Skyro's main competitors?
Direct peers on record are BillEase and Atome Philippines. Broad incumbents are Home Credit Philippines, GCash (GCredit / GGives), Maya (Maya Bank) and Tendo (UnionBank). Emerging players are Plentina and Salmon. Regional players are Kredivo and Akulaku.
Does Skyro have an API?
Yes. Skyro offers a partner-facing API for online store integrations. The API enables merchants to integrate Skyro installment/credit services into their e-commerce platforms. Documentation is publicly accessible. Authentication method, rate limits, versioning, and sandbox availability are not specified in the source. Developer documentation is at online-api.skyro.ph/docs.
What industry is Skyro in?
Skyro's product category is Consumer Lending. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment). Its NAICS code is 522291 and its SIC code is 6141.